BSE: CHOLAHLDNG - Cholamandalam Financial Holdings Limited

Yield per half year: -16.57%
Dividend yield: +0.04%
Sector: Financials

Reporting Cholamandalam Financial Holdings Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Выручка, млрд ₹	126.47	144.56	156.38	193.74	272.34	272.34	178.70	16.58
Чистая прибыль, млрд ₹	5.51	8.25	10.23	12.9	17.73	17.73	10.92	26.33
EV, млрд ₹	564.58	731.14	781.01	1 062.67	1 534.32	1 534.32	934.74	22.13
EBITDA, млрд ₹	34.04	37.26	44.16	37.7		37.7	38.29	2.59
Баланс стоимость, млрд ₹	45.91	53.86	64.46	76.61	102.42	102.42	68.65	17.41
FCF, млрд ₹	-20.12	-97.83	-58.77	-295.89	-368.95	-368.95	-168.3120	78.92
Операционный денежный поток, млрд ₹	-19.14	-97.19	-57.38	-293.29	-357.26	-357.26	-164.8520	79.56
Операционная прибыль, млрд ₹	27.35	38.65	40.42	59.86	83.46	83.46	49.95	25.00
Операционные расходы, млрд ₹	99.12	105.91	115.95	133.88	188.88	188.88	128.75	13.76
CAPEX, млрд ₹	0.9793	0.6414	1.38	2.61	11.69	11.69	3.46	64.20

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Выручка, млрд ₹		41.38	45.67	51.89	55.44	55.33	66.57	72.5	74.02	79.78	84.03	75.38	4.77
Чистая прибыль, млрд ₹		2.67	2.83	3.32	4.08	3.71	4.21	4.67	5.13	5.48	5.26	4.95	4.55
EV, млрд ₹	781.01		889.24		1 058.43		1 359.19		1 534.32		1 907.92	1349.82	16.50
EBITDA, млрд ₹	22.19	8.06	8.01	9.64	11.99	10.28						9.60	4.99
Баланс стоимость, млрд ₹	64.46		68.87		76.61		84.75		102.42		113.61	89.25	10.53
Операционная прибыль, млрд ₹		7.65	7.59	9.2	11.5	9.76	13.98	15.1	41.85	19	18.97	21.78	6.29
Операционные расходы, млрд ₹		33.73	38.07	42.69	43.94	45.57	52.59	57.41	32.18	60.78	65.06	53.60	4.35

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹	36.96	17.08	28.01	10.55	9.73	9.73	20.47	-23.43
Short Term Investments ₹	69.99	68.05	20.56	36.32	40.26	40.26	47.04	-10.47
Total Receivables ₹	0.3019	0.566	0.7131	0.9913	2.14	2.14	0.9425	47.95
Total Current Assets ₹	650.89	746.96	821.92	335.79	439.85	439.85	599.08	-7.54
Чистые активы, млрд ₹	3.7	3.36	3.83	1 276.52		264.65	321.85	330.98
Активы, млрд ₹	758.43	886.16	977.72	1 310.33	1 769.18	1 769.18	1140.36	18.46
Short Term Debt ₹	165.55	240.36	251.57	343.25	474.95	474.95	295.14	23.46
Long Term Debt ₹	385.63	397.62	440.71	628.66	865.19	865.19	543.56	17.54
Задолженность, млрд ₹	661.41	772.57	841.44	1 147.75	1 547.94	1 547.94	994.22	18.54
Чистый долг, млрд ₹	514.22	620.89	664.27	961.36	1 330.41	1 330.41	818.23	20.94
Долг, млрд ₹	551.17	637.97	692.29	971.91	1 340.14	1 340.14	838.70	19.45
Interest income ₹	2.91	3.37	2.12	1.58			2.50	-14.16
Расходы на обслуживание долга ₹	14.48	11.81	12.18	16.54	23.29	23.29	15.66	9.97
Чист. проц. доходы, млрд ₹	-11.78	-8.71	-10.44	-15.39	2.79	1.58	-8.7060	-174.97
Goodwill ₹	0.4272	0.4272	0.4272	0.4272			0.4272	0.00
Себестоимость, млрд ₹	67.35	79.06	83.06	105.85	168.19	168.19	100.70	20.09

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Наличность, млрд ₹	28.01		19.98		10.55		50.81		9.73		49.08	28.03	19.69
Short Term Investments ₹	20.56		18.52		36.32		29.81		40.26		41.95	33.37	17.77
Total Receivables ₹	0.7131		873.52		0.9913		6.94		2.14		2.09	177.14	-70.09
Total Current Assets ₹	264.65		920.45		335.79		1 340.99		439.85		1 758.99	959.21	13.83
Чистые активы, млрд ₹	264.65		4.28		1 276.52							515.15	68.96
Активы, млрд ₹	977.72		1 098.44		1 310.33		1 566.24		1 769.18		2 036.78	1556.19	13.14
Short Term Debt ₹	251.57				343.25				474.95			356.59	23.59
Long Term Debt ₹	440.71		793.05		628.66		1 192.54		865.19		1 573.3	1010.55	14.68
Задолженность, млрд ₹	841.44		952.12		1 147.75		1 386.58		1 547.94		1 792.21	1365.32	13.49
Чистый долг, млрд ₹	664.27		773.07		961.36		1 141.73		1 330.41		1 524.22	1146.16	14.54
Долг, млрд ₹					971.91				1 340.14			1156.03	17.43
Goodwill ₹	0.4272		0.4272		0.4272		0.4272					0.4272	0.00
Себестоимость, млрд ₹		23.59	27.83	32.94	34.73	34.1	44.91	49.16	36.08	51.19	54.8	47.23	4.06

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	22.65	55.43		44.18	20.01	29.35	43.93	54.49	68.71	94.39		94.39	58.17	26.32
Цена акции ао			686.55	521.55	497.2	535.65	650.2	551.05	1039.6	1398.15	1598.15	1598.15	1047.43	19.71
Число акций ао, млн						187.72	187.72	187.74	187.78	187.78		187.78	187.75	0.01
FCF/акцию						-107.19	-521.16	-313.01	-1575.77	-1964.83		-1964.83	-896.3920	78.91

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q3	5 quarters average	CAGR 5
EPS			16.23	14.25	15.07	17.69	21.72	19.78	22.41	24.88	27.32	27.99	24.48	7.19
Цена акции ао	662.54	691.4	649.6	624.4	646.63	606.39	579.17	755.16	989.66	1079.9			802.06	12.23

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	12	15.31	17.29	18.29	19.8		19.8	13.90	16.54	10.53
ROA, %	0.7263	0.9306	1.1	1.13	1.15		1.15	2.81	1.01	9.63
ROIC, %	0.9402	1.21	1.48	1.33			1.33	6.29	1.24	9.06
ROS, %	4.36	5.7	6.54	6.66	6.51	6.51	6.51	59.51	6.38	2.69
ROCE, %						0	0	2.58
Ebit margin, %						0	0
Рентаб EBITDA, %	26.91	25.78	28.24	19.46		13.84	13.84	10.51	22.85	-12.45
Чистая рентаб, %	4.36	5.7	6.54	6.66	6.51		6.51	59.51	5.95	8.35
Operation Margin, %	21.63	26.74	25.85	30.9	30.65	30.65	30.65	13.65	28.96	2.77

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Industry average	5 quarters average	CAGR 5
ROE, %	4.73		4.11		7.22		10.43		8.83		6.46	13.90	7.41	9.47
ROA, %	0.3116		0.2575		0.6226		0.5375		0.3076		0.2762	2.81	0.4003	1.41
ROS, %		6.46	6.19	6.4	7.36	6.71	6.32	6.44	6.93	6.87	6.25	59.51	6.56	-0.22
Рентаб EBITDA, %	56.75	19.47	17.54	18.58	21.63	18.58						10.51	19.16	-0.93
Чистая рентаб, %		6.46	6.19	6.4	7.36	6.71	6.32	6.44	6.93	6.87	6.25	59.51	6.56	-0.22
Operation Margin, %		18.49	16.63	17.73	20.74	17.64	21	20.82	56.53	23.82	22.57	13.65	28.95	1.45

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	9.14	13.37	11.41	7.85	11.5		11.5	29.43	10.65	4.70
P/BV	0.5191	0.9706	0.8566	0.6232	0.9217		0.9217	3.11	0.7782	12.17
P/S	0.3982	0.7627	0.7465	0.5229	0.7487		0.7487	12.16	0.6358	13.46
P/FCF				0	0	0	0	5.80
E/P				0	0	0	0	0.10
EV/EBITDA	16.59	19.62	17.69	28.19			28.07	25.28	20.52	14.17
EV/EBIT					0	0	0
EV/S	4.46	5.06	4.99	5.48	5.63	5.63	5.63	8.38	5.36	2.16
EV/FCF	-28.06	-7.47	-13.29	-3.59	-4.16	-4.16	-4.16	-6.20	-6.5340	-11.05
Debt/EBITDA	16.19	17.12	15.68	25.78	35.54	35.54	35.54	1.02	25.93	15.73
Netdebt/Ebitda	15.11	16.66	15.04	25.5	35.29	35.29	35.29	0.86	25.56	16.20
Debt/Ratio	0.7267	0.7199	0.7081	0.7417	0.7575	0.7575	0.7575	0.24	0.7369	1.02
Debt/Equity	12.01	11.85	10.74	12.69	13.09	5.06	5.06	239.18	10.69	-15.65
Debt/Net Income	100.06	77.36	67.67	75.33	75.61	75.61	75.61	12.31	74.32	-0.46
Бета				0.9318	4.35	0.2624	0.2624	1.82	1.85	-34.45
Индекс Альтмана				0.413	0.3508	0.3508	0.3508	1.07	0.3715	-5.30

	2022Q1	2022Q3	2023Q1	2023Q3	2024Q1	2024Q3	2025Q1	Industry average	5 quarters average	CAGR 5
P/E	38.32	19.77	14.05	26.24	15.2	26.29		29.43	20.31	5.87
P/BV	0.8566	0.7939	0.5971	1.21	0.9217	1.57		3.11	1.02	14.61
P/S	2.99	1.37	0.96	1.78	1.04	1.71		12.16	1.37	4.53
EV/EBITDA	35.2	23.24	28.07					25.28	28.84	-7.27
EV/S				20.42	20.73	22.71		8.38	21.29	3.61
Netdebt/Ebitda	29.94	96.5	80.15					0.86	68.86	38.85
Debt/Ratio			0.7417		0.7575			0.24	0.7496	1.06
Debt/Equity			12.69		13.09			239.18	12.89	1.56
Debt/Net Income					261.21			12.31	261.21	0.00
Бета							0.2624	1.82	0.2624	0.00
Индекс Альтмана							0.3508	1.07	0.3508	0.00

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд			1.41	0.3211	0.1053	1	1.03		1.03		0.7733	-6.09
Дивиденд	0.6	1.25	1.25	0.65	0.55	0.55	0.55	0.55	0.55		0.5700	-3.29
Див доход, ао, %	0	0.2035	0.2622	0.1608	0.0865	0.1269	0.0569	0.0356	0.0356	1.40	0.0933	-26.03
Дивиденды / прибыль, %				5.83	1.28	1.03	7.78	5.82	5.82	17.81	4.35	-0.03

	2018Q1	2018Q3	2019Q1	2019Q3	2020Q1	2021Q3	2022Q1	2022Q3	2023Q3	Industry average	5 quarters average	CAGR 5
Дивиденд	0.6	0.65	0.6	0.65	0.65	0.55	0.285	0.55	0.55		0.5170	-3.29
Див доход, ао, %	0.0881	0.1079	0.1294	0.139	0.1298	0.083	0.0439	0.0851	0.0556	1.40	0.0795	-15.60

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	2	2	0.00

	CAGR 5

	CAGR 5